I owned a 20 Seafari model for some 7 or 8 years. Never had it out in anything that even vaguely challenged the safety of the boat, worst was 4-6 Gulf Stream with a 20 knot crosswind. I've been out in my 25 Seafari in much rougher conditions, Gulf Stream steep 7 ft following sea, 8 ft super steep and breaking beam sea with a 30-50 knot cross wind. Both of those had a high pucker factor, but neither would have been really dangerous for a 20 with a competent skipper, as long as the engine ran. I'd have not wanted to be there if the engine quit on either boat.
I don't think there are any "normal" conditions that would be truly dangerous in a well piloted 20. You would have to have special conditions, breaking seas in an inlet, huge following seas that were breaking where the depth shallowed up fast, or something similar.
Interesting question, though.
Connor
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